{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"full","held_since":"2015-12-23","gaps":[],"covered":["PSD2 L1"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":null,"checked_against":null},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/level-3/q-and-a/eba","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba","title":"EBA","family":"landing","work_id":"psd2","status":"in_force","force_status":null,"date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":null,"check":null,"check_result":null,"official_url":null,"valid_from":null,"valid_until":null,"revision":null,"content_id":null,"change_date":null,"nearest_versions":[],"first_text_date":null,"correction_applies":false,"versions":[],"version_url":null,"revision_url":null,"versions_url":null,"relations_url":null,"source_line":null,"attribution":null},"provenance":{"official_url":null,"check":{"result":null,"checked_at":null,"against":null},"repo_path":"spaces/psd2/level-3/q-and-a/eba/README.md","body_sha256":"23703d9f022162aa998ae3dd21c00a491b70e299aed1a9e29c16537f6c50425b"},"units":[],"markdown":"---\ntitle: \"EBA\"\nshortTitle: \"EBA\"\ndescription: \"EBA — PSD2 (310 instruments).\"\ntype: section_index\n---\n\nEBA under PSD2, ordered by official identifier.\n\n- [EBA Q&A 2018_4030 — Q&A — Geographical scope of application of the RTS on strong \\[Final Q&A\\]](eba-qa-2018-4030-geographical-scope-of-application-of-the-rts-on-strong.md)\n- [EBA Q&A 2018_4031 — Q&A — Applicability of SCA to ‘card payments initiated \\[Final Q&A\\]](eba-qa-2018-4031-applicability-of-sca-to-card-payments-initiated-by-the.md)\n- [EBA Q&A 2018_4032 — Q&A — Criteria for the application of the transaction risk \\[Final Q&A\\]](eba-qa-2018-4032-criteria-for-the-application-of-the-transaction-risk.md)\n- [EBA Q&A 2018_4033 — Q&A — Criteria for the application of the transaction risk \\[Final Q&A\\]](eba-qa-2018-4033-criteria-for-the-application-of-the-transaction-risk.md)\n- [EBA Q&A 2018_4034 — Q&A — Criteria for the application of the transaction risk \\[Final Q&A\\]](eba-qa-2018-4034-criteria-for-the-application-of-the-transaction-risk.md)\n- [EBA Q&A 2018_4035 — Q&A — Criteria for the application of the transaction risk \\[Final Q&A\\]](eba-qa-2018-4035-criteria-for-the-application-of-the-transaction-risk.md)\n- [EBA Q&A 2018_4036 — Q&A — Application of the low-value contactless exemption \\[Final Q&A\\]](eba-qa-2018-4036-application-of-the-low-value-contactless-exemption.md)\n- [EBA Q&A 2018_4038 — Q&A — Applicability of the low-value contactless exemption \\[Final Q&A\\]](eba-qa-2018-4038-applicability-of-the-low-value-contactless-exemption-to.md)\n- [EBA Q&A 2018_4039 — Q&A — Qualification of SMS OTP as an authentication factor \\[Final Q&A\\]](eba-qa-2018-4039-qualification-of-sms-otp-as-an-authentication-factor.md)\n- [EBA Q&A 2018_4040 — Q&A — Currency conversion of the EUR thresholds contained \\[Final Q&A\\]](eba-qa-2018-4040-currency-conversion-of-the-eur-thresholds-contained-in-the.md)\n- [EBA Q&A 2018_4041 — Q&A — Display of incorrect authentication factors in case \\[Final Q&A\\]](eba-qa-2018-4041-display-of-incorrect-authentication-factors-in-case-of.md)\n- [EBA Q&A 2018_4042 — Q&A — Liability for fraud when SCA exemption used \\[Final Q&A\\]](eba-qa-2018-4042-liability-for-fraud-when-sca-exemption-used.md)\n- [EBA Q&A 2018_4043 — Q&A — Calculation of fraud rates in relation to Exemption \\[Final Q&A\\]](eba-qa-2018-4043-calculation-of-fraud-rates-in-relation-to-exemption.md)\n- [EBA Q&A 2018_4044 — Q&A — Transaction Risk Analysis (TRA) exemption – Time period \\[Final Q&A\\]](eba-qa-2018-4044-transaction-risk-analysis-tra-exemption-time-period-for.md)\n- [EBA Q&A 2018_4045 — Q&A — Transaction Risk Analysis (TRA) exemption – Frequency \\[Final Q&A\\]](eba-qa-2018-4045-transaction-risk-analysis-tra-exemption-frequency-of.md)\n- [EBA Q&A 2018_4047 — Q&A — Review of security measures \\[Final Q&A\\]](eba-qa-2018-4047-review-of-security-measures.md)\n- [EBA Q&A 2018_4048 — Q&A — Applicability of Strong Customer Authentication (SCA) \\[Final Q&A\\]](eba-qa-2018-4048-applicability-of-strong-customer-authentication-sca-to.md)\n- [EBA Q&A 2018_4049 — Q&A — Persistent authentication for wearable devices \\[Final Q&A\\]](eba-qa-2018-4049-persistent-authentication-for-wearable-devices.md)\n- [EBA Q&A 2018_4052 — Q&A — EMV cards and EMV terminals supporting online \\[Final Q&A\\]](eba-qa-2018-4052-emv-cards-and-emv-terminals-supporting-online-authentication.md)\n- [EBA Q&A 2018_4053 — Q&A — Length of authentication codes \\[Final Q&A\\]](eba-qa-2018-4053-length-of-authentication-codes.md)\n- [EBA Q&A 2018_4054 — Q&A — Confidentiality of the application cryptogram for EMV \\[Final Q&A\\]](eba-qa-2018-4054-confidentiality-of-the-application-cryptogram-for-emv.md)\n- [EBA Q&A 2018_4055 — Q&A — Confidentiality of offline PIN \\[Final Q&A\\]](eba-qa-2018-4055-confidentiality-of-offline-pin.md)\n- [EBA Q&A 2018_4056 — Q&A — Application of the exemption for transactions to trusted \\[Final Q&A\\]](eba-qa-2018-4056-application-of-the-exemption-for-transactions-to-trusted.md)\n- [EBA Q&A 2018_4057 — Q&A — SCA at vending machines without PIN pad \\[Final Q&A\\]](eba-qa-2018-4057-sca-at-vending-machines-without-pin-pad.md)\n- [EBA Q&A 2018_4058 — Q&A — Transactions initiated via Interactive Voice Response \\[Final Q&A\\]](eba-qa-2018-4058-transactions-initiated-via-interactive-voice-response-ivr.md)\n- [EBA Q&A 2018_4060 — Q&A — Exemption for secure corporate payment processes \\[Final Q&A\\]](eba-qa-2018-4060-exemption-for-secure-corporate-payment-processes-and.md)\n- [EBA Q&A 2018_4065 — Q&A — Accessing payment account online in web browser shall \\[Final Q&A\\]](eba-qa-2018-4065-accessing-payment-account-online-in-web-browser-shall.md)\n- [EBA Q&A 2018_4068 — Q&A — Exemption from strong customer authentication (SCA) \\[Final Q&A\\]](eba-qa-2018-4068-exemption-from-strong-customer-authentication-sca-for.md)\n- [EBA Q&A 2018_4071 — Q&A — Communication plans to inform payment service providers \\[Final Q&A\\]](eba-qa-2018-4071-communication-plans-to-inform-payment-service-providers.md)\n- [EBA Q&A 2018_4076 — Q&A — On the access to trusted beneficiaries lists (RTS Art 13) \\[Final Q&A\\]](eba-qa-2018-4076-on-the-access-to-trusted-beneficiaries-lists-rts-art-13-by.md)\n- [EBA Q&A 2018_4077 — Q&A — On the use and storage of Personalised Security \\[Final Q&A\\]](eba-qa-2018-4077-on-the-use-and-storage-of-personalised-security-credentials.md)\n- [EBA Q&A 2018_4081 — Q&A — On the access to names and surnames through the API \\[Final Q&A\\]](eba-qa-2018-4081-on-the-access-to-names-and-surnames-through-the-api.md)\n- [EBA Q&A 2018_4083 — Q&A — On the application of SCA when cancelling a payment \\[Final Q&A\\]](eba-qa-2018-4083-on-the-application-of-sca-when-cancelling-a-payment.md)\n- [EBA Q&A 2018_4089 — Q&A — Obligatory nature of the SCA and exemption based \\[Final Q&A\\]](eba-qa-2018-4089-obligatory-nature-of-the-sca-and-exemption-based-on.md)\n- [EBA Q&A 2018_4090 — Q&A — Does transaction monitoring need to be real time? \\[Final Q&A\\]](eba-qa-2018-4090-does-transaction-monitoring-need-to-be-real-time.md)\n- [EBA Q&A 2018_4095 — Q&A — Irrevocability of a payment order initiated by a PISP \\[Final Q&A\\]](eba-qa-2018-4095-irrevocability-of-a-payment-order-initiated-by-a-pisp.md)\n- [EBA Q&A 2018_4096 — Q&A — API functionality \\[Final Q&A\\]](eba-qa-2018-4096-api-functionality.md)\n- [EBA Q&A 2018_4098 — Q&A — Clarification on whether a particular business model type \\[Final Q&A\\]](eba-qa-2018-4098-clarification-on-whether-a-particular-business-model-type.md)\n- [EBA Q&A 2018_4108 — Q&A — Scope of ‘initiation of an electronic payment \\[Final Q&A\\]](eba-qa-2018-4108-scope-of-initiation-of-an-electronic-payment-transaction.md)\n- [EBA Q&A 2018_4110 — Q&A — Data authentication standards \\[Final Q&A\\]](eba-qa-2018-4110-data-authentication-standards.md)\n- [EBA Q&A 2018_4117 — Q&A — Sanctions list screening in the context of TPPs' services \\[Final Q&A\\]](eba-qa-2018-4117-sanctions-list-screening-in-the-context-of-tpps-services.md)\n- [EBA Q&A 2018_4120 — Q&A — Exemptions from Strong Customer Authentication (SCA) \\[Final Q&A\\]](eba-qa-2018-4120-exemptions-from-strong-customer-authentication-sca-trusted.md)\n- [EBA Q&A 2018_4123 — Q&A — Explicit consent required by the ASPSP from the PSU \\[Final Q&A\\]](eba-qa-2018-4123-explicit-consent-required-by-the-aspsp-from-the-psu-to.md)\n- [EBA Q&A 2018_4127 — Q&A — Application of Transaction Risk Analysis (TRA) exemption \\[Final Q&A\\]](eba-qa-2018-4127-application-of-transaction-risk-analysis-tra-exemption-real.md)\n- [EBA Q&A 2018_4128 — Q&A — Trusted Beneficiary exemption – Management \\[Final Q&A\\]](eba-qa-2018-4128-trusted-beneficiary-exemption-management-of-the-exemption.md)\n- [EBA Q&A 2018_4131 — Q&A — Payee-initiated transactions with irregular period \\[Final Q&A\\]](eba-qa-2018-4131-payee-initiated-transactions-with-irregular-period-or.md)\n- [EBA Q&A 2018_4133 — Q&A — Applicability of SCA to wallet solutions \\[Final Q&A\\]](eba-qa-2018-4133-applicability-of-sca-to-wallet-solutions.md)\n- [EBA Q&A 2018_4135 — Q&A — SMS OTP and credit card as a two authentication factor \\[Final Q&A\\]](eba-qa-2018-4135-sms-otp-and-credit-card-as-a-two-authentication-factor.md)\n- [EBA Q&A 2018_4138 — Q&A — Testing eIDAS certificates before 14 September 2019 \\[Final Q&A\\]](eba-qa-2018-4138-testing-eidas-certificates-before-14-september-2019.md)\n- [EBA Q&A 2018_4140 — Q&A — ASPSP is denied the waiver to the fall-back by an NCA \\[Final Q&A\\]](eba-qa-2018-4140-aspsp-is-denied-the-waiver-to-the-fall-back-by-an-nca.md)\n- [EBA Q&A 2018_4141 — Q&A — Authentication code \\[Final Q&A\\]](eba-qa-2018-4141-authentication-code.md)\n- [EBA Q&A 2018_4144 — Q&A — Major incidents reporting \\[Final Q&A\\]](eba-qa-2018-4144-major-incidents-reporting.md)\n- [EBA Q&A 2018_4150 — Q&A — Credit value date for payment transactions with currency \\[Final Q&A\\]](eba-qa-2018-4150-credit-value-date-for-payment-transactions-with-currency.md)\n- [EBA Q&A 2018_4152 — Q&A — Review of the security measures: Audit report \\[Final Q&A\\]](eba-qa-2018-4152-review-of-the-security-measures-audit-report.md)\n- [EBA Q&A 2018_4153 — Q&A — Review of Security Measures - Auditors expertise \\[Final Q&A\\]](eba-qa-2018-4153-review-of-security-measures-auditors-expertise.md)\n- [EBA Q&A 2018_4155 — Q&A — Responsibility of national authority \\[Final Q&A\\]](eba-qa-2018-4155-responsibility-of-national-authority-with-regards-to-audit.md)\n- [EBA Q&A 2018_4163 — Q&A — Fall back exemption \\[Final Q&A\\]](eba-qa-2018-4163-fall-back-exemption.md)\n- [EBA Q&A 2018_4170 — Q&A — Home / host cooperation \\[Final Q&A\\]](eba-qa-2018-4170-home-host-cooperation.md)\n- [EBA Q&A 2018_4172 — Q&A — Interpretation of 'Active request for account \\[Final Q&A\\]](eba-qa-2018-4172-interpretation-of-active-request-for-account-information.md)\n- [EBA Q&A 2018_4176 — Q&A — Operation and security risk assessment of a branch \\[Final Q&A\\]](eba-qa-2018-4176-operation-and-security-risk-assessment-of-a-branch-of-a.md)\n- [EBA Q&A 2018_4177 — Q&A — Application of SCA when a PSU accesses payment \\[Final Q&A\\]](eba-qa-2018-4177-application-of-sca-when-a-psu-accesses-payment-transactions.md)\n- [EBA Q&A 2018_4181 — Q&A — The Implementation of the electronic communications \\[Final Q&A\\]](eba-qa-2018-4181-the-implementation-of-the-electronic-communications.md)\n- [EBA Q&A 2018_4182 — Q&A — Application of limits for Strong customer authentication \\[Final Q&A\\]](eba-qa-2018-4182-application-of-limits-for-strong-customer-authentication.md)\n- [EBA Q&A 2018_4188 — Q&A — Information to be provided / made available by ASPSP \\[Final Q&A\\]](eba-qa-2018-4188-information-to-be-provided-made-available-by-aspsp-to.md)\n- [EBA Q&A 2018_4210 — Q&A — Access by AISPs when customer not present up to 4 times \\[Final Q&A\\]](eba-qa-2018-4210-access-by-aisps-when-customer-not-present-up-to-4-times-in.md)\n- [EBA Q&A 2018_4221 — Q&A — Ability of a payment account operated by a payment \\[Final Q&A\\]](eba-qa-2018-4221-ability-of-a-payment-account-operated-by-a-payment.md)\n- [EBA Q&A 2018_4225 — Q&A — Contactless payments at point of sale - Applications \\[Final Q&A\\]](eba-qa-2018-4225-contactless-payments-at-point-of-sale-applications-of-the.md)\n- [EBA Q&A 2018_4226 — Q&A — Contactless payments at point of sale - Applications \\[Final Q&A\\]](eba-qa-2018-4226-contactless-payments-at-point-of-sale-applications-of-the.md)\n- [EBA Q&A 2018_4227 — Q&A — Contactless counting \\[Final Q&A\\]](eba-qa-2018-4227-contactless-counting.md)\n- [EBA Q&A 2018_4230 — Q&A — Contactless transactions - SCA \\[Final Q&A\\]](eba-qa-2018-4230-contactless-transactions-sca.md)\n- [EBA Q&A 2018_4231 — Q&A — Responsibility for comprehensive assessment according \\[Final Q&A\\]](eba-qa-2018-4231-responsibility-for-comprehensive-assessment-according-to.md)\n- [EBA Q&A 2018_4233 — Q&A — Is the scope of the RTS on strong customer authentication \\[Final Q&A\\]](eba-qa-2018-4233-is-the-scope-of-the-rts-on-strong-customer-authentication.md)\n- [EBA Q&A 2018_4235 — Q&A — Ability of static card data to be considered a possession \\[Final Q&A\\]](eba-qa-2018-4235-ability-of-static-card-data-to-be-considered-a-possession.md)\n- [EBA Q&A 2018_4237 — Q&A — Signature on a paper slip from a payment terminal \\[Final Q&A\\]](eba-qa-2018-4237-signature-on-a-paper-slip-from-a-payment-terminal-as-a.md)\n- [EBA Q&A 2018_4238 — Q&A — Signature performed on the screen of a digital device \\[Final Q&A\\]](eba-qa-2018-4238-signature-performed-on-the-screen-of-a-digital-device-as-a.md)\n- [EBA Q&A 2018_4239 — Q&A — Applicability of exemption from strong customer \\[Final Q&A\\]](eba-qa-2018-4239-applicability-of-exemption-from-strong-customer.md)\n- [EBA Q&A 2018_4241 — Q&A — Applicability of exemption under RTS Article 11 \\[Final Q&A\\]](eba-qa-2018-4241-applicability-of-exemption-under-rts-article-11-for-payee-s.md)\n- [EBA Q&A 2018_4242 — Q&A — Applicability of exemption under RTS Article 16 \\[Final Q&A\\]](eba-qa-2018-4242-applicability-of-exemption-under-rts-article-16-for-payee-s.md)\n- [EBA Q&A 2018_4272 — Q&A — Payment accounts and reference accounts \\[Final Q&A\\]](eba-qa-2018-4272-payment-accounts-and-reference-accounts.md)\n- [EBA Q&A 2018_4298 — Q&A — Calculation of own funds required for payment institution \\[Final Q&A\\]](eba-qa-2018-4298-calculation-of-own-funds-required-for-payment-institution.md)\n- [EBA Q&A 2018_4299 — Q&A — Calculation of own funds required for payment institution \\[Final Q&A\\]](eba-qa-2018-4299-calculation-of-own-funds-required-for-payment-institution.md)\n- [EBA Q&A 2018_4309 — Q&A — Consent for the provision of PIS and AIS \\[Final Q&A\\]](eba-qa-2018-4309-consent-for-the-provision-of-pis-and-ais.md)\n- [EBA Q&A 2018_4315 — Q&A — Strong Authentication \\[Final Q&A\\]](eba-qa-2018-4315-strong-authentication.md)\n- [EBA Q&A 2018_4338 — Q&A — Trusted Beneficiaries \\[Final Q&A\\]](eba-qa-2018-4338-trusted-beneficiaries.md)\n- [EBA Q&A 2018_4339 — Q&A — 90 Day Access via Direct Access \\[Rejected question\\]](eba-qa-2018-4339-90-day-access-via-direct-access.md)\n- [EBA Q&A 2018_4342 — Q&A — Chip and Signature cards and their inclusion in the remit \\[Final Q&A\\]](eba-qa-2018-4342-chip-and-signature-cards-and-their-inclusion-in-the-remit.md)\n- [EBA Q&A 2018_4359 — Q&A — Does SCA apply to electronically processed SEPA Direct \\[Final Q&A\\]](eba-qa-2018-4359-does-sca-apply-to-electronically-processed-sepa-direct.md)\n- [EBA Q&A 2018_4360 — Q&A — Application of the exemption related to a trusted \\[Final Q&A\\]](eba-qa-2018-4360-application-of-the-exemption-related-to-a-trusted.md)\n- [EBA Q&A 2018_4366 — Q&A — Showing a password after it has been masked \\[Final Q&A\\]](eba-qa-2018-4366-showing-a-password-after-it-has-been-masked.md)\n- [EBA Q&A 2018_4371 — Q&A — Categories of Registration \\[Final Q&A\\]](eba-qa-2018-4371-categories-of-registration.md)\n- [EBA Q&A 2018_4375 — Q&A — Certfication in relation to a Technical Service Provider \\[Final Q&A\\]](eba-qa-2018-4375-certfication-in-relation-to-a-technical-service-provider-tsp.md)\n- [EBA Q&A 2018_4383 — Q&A — Exemption of secure corporate payment processes \\[Final Q&A\\]](eba-qa-2018-4383-exemption-of-secure-corporate-payment-processes-and.md)\n- [EBA Q&A 2018_4399 — Q&A — Electronic chip transactions authenticated with a hand \\[Final Q&A\\]](eba-qa-2018-4399-electronic-chip-transactions-authenticated-with-a-hand.md)\n- [EBA Q&A 2018_4400 — Q&A — Secure corporate payment processes and protocols \\[Final Q&A\\]](eba-qa-2018-4400-secure-corporate-payment-processes-and-protocols.md)\n- [EBA Q&A 2018_4404 — Q&A — Subsequent instances of a recurring card payment \\[Final Q&A\\]](eba-qa-2018-4404-subsequent-instances-of-a-recurring-card-payment.md)\n- [EBA Q&A 2018_4413 — Q&A — Qualified certificate under eIDAS for ASPSP \\[Final Q&A\\]](eba-qa-2018-4413-qualified-certificate-under-eidas-for-aspsp.md)\n- [EBA Q&A 2018_4414 — Q&A — Usage of SMS for dynamic linking \\[Final Q&A\\]](eba-qa-2018-4414-usage-of-sms-for-dynamic-linking.md)\n- [EBA Q&A 2018_4415 — Q&A — Dynamic linking for batch transactions \\[Final Q&A\\]](eba-qa-2018-4415-dynamic-linking-for-batch-transactions.md)\n- [EBA Q&A 2018_4429 — Q&A — Application of the Low Value Transaction Limits \\[Final Q&A\\]](eba-qa-2018-4429-application-of-the-low-value-transaction-limits.md)\n- [EBA Q&A 2018_4432 — Q&A — Passporting and eIDAS certificates \\[Final Q&A\\]](eba-qa-2018-4432-passporting-and-eidas-certificates.md)\n- [EBA Q&A 2018_4435 — Q&A — Dynamic Linking for batch payments \\[Final Q&A\\]](eba-qa-2018-4435-dynamic-linking-for-batch-payments.md)\n- [EBA Q&A 2018_4439 — Q&A — Fraud rate calculation for TRA exemption – country \\[Final Q&A\\]](eba-qa-2018-4439-fraud-rate-calculation-for-tra-exemption-country-dimension.md)\n- [EBA Q&A 2018_4440 — Q&A — Revocation / Invalidation of SCA proof before execution \\[Final Q&A\\]](eba-qa-2018-4440-revocation-invalidation-of-sca-proof-before-execution-date.md)\n- [EBA Q&A 2019_4450 — Q&A — Potential inconsistency on the application \\[Rejected question\\]](eba-qa-2019-4450-potential-inconsistency-on-the-application-of-strong.md)\n- [EBA Q&A 2019_4480 — Q&A — Unattended terminals and Transaction Risk Analysis (TRA) \\[Final Q&A\\]](eba-qa-2019-4480-unattended-terminals-and-transaction-risk-analysis-tra.md)\n- [EBA Q&A 2019_4484 — Q&A — Strong customer authentication requirement \\[Final Q&A\\]](eba-qa-2019-4484-strong-customer-authentication-requirement-on-pay-by.md)\n- [EBA Q&A 2019_4496 — Q&A — Revocation of future dated Payment Initiation Services \\[Final Q&A\\]](eba-qa-2019-4496-revocation-of-future-dated-payment-initiation-services-pis.md)\n- [EBA Q&A 2019_4507 — Q&A — Content of eIDAS certificates if agents or outsource \\[Final Q&A\\]](eba-qa-2019-4507-content-of-eidas-certificates-if-agents-or-outsource.md)\n- [EBA Q&A 2019_4532 — Q&A — Strong Customer Authentication (SCA) possession element \\[Final Q&A\\]](eba-qa-2019-4532-strong-customer-authentication-sca-possession-element.md)\n- [EBA Q&A 2019_4542 — Q&A — Insurance policy on minimum monetary amount \\[Final Q&A\\]](eba-qa-2019-4542-insurance-policy-on-minimum-monetary-amount-of-the.md)\n- [EBA Q&A 2019_4556 — Q&A — Definition of payee for dynamic linking \\[Final Q&A\\]](eba-qa-2019-4556-definition-of-payee-for-dynamic-linking.md)\n- [EBA Q&A 2019_4560 — Q&A — SCA profiles and multiple-use of devices \\[Final Q&A\\]](eba-qa-2019-4560-sca-profiles-and-multiple-use-of-devices.md)\n- [EBA Q&A 2019_4564 — Q&A — Exemptions from Strong Customer Authentication (SCA) \\[Final Q&A\\]](eba-qa-2019-4564-exemptions-from-strong-customer-authentication-sca-credit.md)\n- [EBA Q&A 2019_4573 — Q&A — Immediate Refund by the Payment Service Provider \\[Rejected question\\]](eba-qa-2019-4573-immediate-refund-by-the-payment-service-provider-of.md)\n- [EBA Q&A 2019_4576 — Q&A — Surcharging \\[Rejected question\\]](eba-qa-2019-4576-surcharging.md)\n- [EBA Q&A 2019_4586 — Q&A — Requirement on the use of a Qualified Certificate \\[Final Q&A\\]](eba-qa-2019-4586-requirement-on-the-use-of-a-qualified-certificate-for.md)\n- [EBA Q&A 2019_4594 — Q&A — Definition of an electronic remote payment transaction \\[Final Q&A\\]](eba-qa-2019-4594-definition-of-an-electronic-remote-payment-transaction.md)\n- [EBA Q&A 2019_4601 — Q&A — ASPSP providing updated payment status to PISP \\[Final Q&A\\]](eba-qa-2019-4601-aspsp-providing-updated-payment-status-to-pisp.md)\n- [EBA Q&A 2019_4604 — Q&A — Scope - Limited network exclusion \\[Final Q&A\\]](eba-qa-2019-4604-scope-limited-network-exclusion.md)\n- [EBA Q&A 2019_4609 — Q&A — Identification and access for testing purposes \\[Final Q&A\\]](eba-qa-2019-4609-identification-and-access-for-testing-purposes-of-entities.md)\n- [EBA Q&A 2019_4630 — Q&A — Applicability of Article 34 (eIDAS certificates) prior \\[Final Q&A\\]](eba-qa-2019-4630-applicability-of-article-34-eidas-certificates-prior-to.md)\n- [EBA Q&A 2019_4631 — Q&A — TPP access only with PSU involvement \\[Final Q&A\\]](eba-qa-2019-4631-tpp-access-only-with-psu-involvement.md)\n- [EBA Q&A 2019_4637 — Q&A — Separation of factors for strong customer authentication \\[Final Q&A\\]](eba-qa-2019-4637-separation-of-factors-for-strong-customer-authentication.md)\n- [EBA Q&A 2019_4638 — Q&A — Wide usage portability between Member States \\[Final Q&A\\]](eba-qa-2019-4638-wide-usage-portability-between-member-states.md)\n- [EBA Q&A 2019_4650 — Q&A — EBA register providing a list of third party providers \\[Final Q&A\\]](eba-qa-2019-4650-eba-register-providing-a-list-of-third-party-providers-tpps.md)\n- [EBA Q&A 2019_4651 — Q&A — Relying on vendor mechanisms processing the biometric \\[Final Q&A\\]](eba-qa-2019-4651-relying-on-vendor-mechanisms-processing-the-biometric-data.md)\n- [EBA Q&A 2019_4661 — Q&A — Inclusion of time taken for SCA in the performance KPI \\[Final Q&A\\]](eba-qa-2019-4661-inclusion-of-time-taken-for-sca-in-the-performance-kpi.md)\n- [EBA Q&A 2019_4662 — Q&A — Define what is “given period of time” \\[Final Q&A\\]](eba-qa-2019-4662-define-what-is-given-period-of-time.md)\n- [EBA Q&A 2019_4664 — Q&A — Applicability of SCA to electronically processed SEPA \\[Final Q&A\\]](eba-qa-2019-4664-applicability-of-sca-to-electronically-processed-sepa.md)\n- [EBA Q&A 2019_4671 — Q&A — Compliance of (1) card data (2) SMS OTP and (3) EMV 3DS \\[Final Q&A\\]](eba-qa-2019-4671-compliance-of-1-card-data-2-sms-otp-and-3-emv-3ds-behaviour.md)\n- [EBA Q&A 2019_4679 — Q&A — Authorisation number in eIDAS certificates \\[Final Q&A\\]](eba-qa-2019-4679-authorisation-number-in-eidas-certificates.md)\n- [EBA Q&A 2019_4681 — Q&A — What is considered as a dedicated interface \\[Final Q&A\\]](eba-qa-2019-4681-what-is-considered-as-a-dedicated-interface.md)\n- [EBA Q&A 2019_4691 — Q&A — Interpretation of the words ‘preceding year’ \\[Rejected question\\]](eba-qa-2019-4691-interpretation-of-the-words-preceding-year-in-method-b.md)\n- [EBA Q&A 2019_4693 — Q&A — Scope of the corporate SCA exemption. \\[Final Q&A\\]](eba-qa-2019-4693-scope-of-the-corporate-sca-exemption.md)\n- [EBA Q&A 2019_4702 — Q&A — Transaction risk analysis (TRA) exemption – Calculation \\[Final Q&A\\]](eba-qa-2019-4702-transaction-risk-analysis-tra-exemption-calculation-of.md)\n- [EBA Q&A 2019_4703 — Q&A — Report of fraud rates by issuers and acquirers \\[Final Q&A\\]](eba-qa-2019-4703-report-of-fraud-rates-by-issuers-and-acquirers.md)\n- [EBA Q&A 2019_4712 — Q&A — AISPs and scope of application AML requirements \\[Final Q&A\\]](eba-qa-2019-4712-aisps-and-scope-of-application-aml-requirements.md)\n- [EBA Q&A 2019_4740 — Q&A — Compliance with SCA in offline mode on an aircraft \\[Final Q&A\\]](eba-qa-2019-4740-compliance-with-sca-in-offline-mode-on-an-aircraft-without.md)\n- [EBA Q&A 2019_4752 — Q&A — Authorisation for the provision of PIS and AIS on behalf \\[Final Q&A\\]](eba-qa-2019-4752-authorisation-for-the-provision-of-pis-and-ais-on-behalf-of.md)\n- [EBA Q&A 2019_4753 — Q&A — Requirement for credit institutions \\[Rejected question\\]](eba-qa-2019-4753-requirement-for-credit-institutions-and-electronic-money.md)\n- [EBA Q&A 2019_4776 — Q&A — More than one transaction from a single consumer \\[Final Q&A\\]](eba-qa-2019-4776-more-than-one-transaction-from-a-single-consumer-initiated.md)\n- [EBA Q&A 2019_4783 — Q&A — Delayed or deferred PIN for wearable devices \\[Final Q&A\\]](eba-qa-2019-4783-delayed-or-deferred-pin-for-wearable-devices.md)\n- [EBA Q&A 2019_4785 — Q&A — Unsuccessful authentications and declined transactions \\[Final Q&A\\]](eba-qa-2019-4785-unsuccessful-authentications-and-declined-transactions.md)\n- [EBA Q&A 2019_4788 — Q&A — Treatment of electronic bookings similar to Mail Order \\[Final Q&A\\]](eba-qa-2019-4788-treatment-of-electronic-bookings-similar-to-mail-order-and.md)\n- [EBA Q&A 2019_4790 — Q&A — Keyed Mail Order or Telephone Order (MO-TO) transactions \\[Final Q&A\\]](eba-qa-2019-4790-keyed-mail-order-or-telephone-order-mo-to-transactions.md)\n- [EBA Q&A 2019_4791 — Q&A — Processing payments for hotel reservations \\[Final Q&A\\]](eba-qa-2019-4791-processing-payments-for-hotel-reservations.md)\n- [EBA Q&A 2019_4792 — Q&A — Merchant Initiated Transactions exemption for hotel \\[Final Q&A\\]](eba-qa-2019-4792-merchant-initiated-transactions-exemption-for-hotel.md)\n- [EBA Q&A 2019_4794 — Q&A — Consumer mandate under Merchant Initiated Transactions \\[Final Q&A\\]](eba-qa-2019-4794-consumer-mandate-under-merchant-initiated-transactions.md)\n- [EBA Q&A 2019_4795 — Q&A — Validity of SCA \\[Final Q&A\\]](eba-qa-2019-4795-validity-of-sca.md)\n- [EBA Q&A 2019_4796 — Q&A — Intermediaries and Merchant-ID \\[Final Q&A\\]](eba-qa-2019-4796-intermediaries-and-merchant-id.md)\n- [EBA Q&A 2019_4797 — Q&A — Merchant IDs and SCA \\[Final Q&A\\]](eba-qa-2019-4797-merchant-ids-and-sca.md)\n- [EBA Q&A 2019_4800 — Q&A — Whitelisting \\[Final Q&A\\]](eba-qa-2019-4800-whitelisting.md)\n- [EBA Q&A 2019_4811 — Q&A — The amount of a card payment transaction \\[Rejected question\\]](eba-qa-2019-4811-the-amount-of-a-card-payment-transaction-authorised-online.md)\n- [EBA Q&A 2019_4823 — Q&A — 3 month notification period on interface changes \\[Final Q&A\\]](eba-qa-2019-4823-3-month-notification-period-on-interface-changes-to-aspsps.md)\n- [EBA Q&A 2019_4826 — Q&A — Scope of contingency mechanism \\[Final Q&A\\]](eba-qa-2019-4826-scope-of-contingency-mechanism.md)\n- [EBA Q&A 2019_4827 — Q&A — Tokenised card details as a SCA possession element. \\[Final Q&A\\]](eba-qa-2019-4827-tokenised-card-details-as-a-sca-possession-element.md)\n- [EBA Q&A 2019_4854 — Q&A — Account Data required by a ASPSP to execute a payment \\[Final Q&A\\]](eba-qa-2019-4854-account-data-required-by-a-aspsp-to-execute-a-payment-order.md)\n- [EBA Q&A 2019_4855 — Q&A — Application of the strong customer authentication (SCA) \\[Final Q&A\\]](eba-qa-2019-4855-application-of-the-strong-customer-authentication-sca-in.md)\n- [EBA Q&A 2019_4856 — Q&A — Type of accounts accessible through common and secure \\[Final Q&A\\]](eba-qa-2019-4856-type-of-accounts-accessible-through-common-and-secure.md)\n- [EBA Q&A 2019_4866 — Q&A — Reporting of card transactions that are out-of-scope \\[Final Q&A\\]](eba-qa-2019-4866-reporting-of-card-transactions-that-are-out-of-scope-from.md)\n- [EBA Q&A 2019_4874 — Q&A — Roles that can be assigned to electronic money \\[Rejected question\\]](eba-qa-2019-4874-roles-that-can-be-assigned-to-electronic-money-institutions.md)\n- [EBA Q&A 2019_4875 — Q&A — Failed Authentication Code \\[Final Q&A\\]](eba-qa-2019-4875-failed-authentication-code.md)\n- [EBA Q&A 2019_4910 — Q&A — Authentication code \\[Final Q&A\\]](eba-qa-2019-4910-authentication-code.md)\n- [EBA Q&A 2019_4919 — Q&A — Interpretation of payment instrument \\[Rejected question\\]](eba-qa-2019-4919-interpretation-of-payment-instrument.md)\n- [EBA Q&A 2019_4921 — Q&A — Safeguarding requirements \\[Rejected question\\]](eba-qa-2019-4921-safeguarding-requirements.md)\n- [EBA Q&A 2019_4937 — Q&A — SCA for contactless payments at a POS executed \\[Final Q&A\\]](eba-qa-2019-4937-sca-for-contactless-payments-at-a-pos-executed-via-a-mobile.md)\n- [EBA Q&A 2019_4982 — Q&A — Services offered by means of ATM by providers \\[Rejected question\\]](eba-qa-2019-4982-services-offered-by-means-of-atm-by-providers.md)\n- [EBA Q&A 2019_4984 — Q&A — Push based authentication and SCA requirements \\[Final Q&A\\]](eba-qa-2019-4984-push-based-authentication-and-sca-requirements.md)\n- [EBA Q&A 2019_5008 — Q&A — Losses due to fraud per liability bearer / Perdite dovute \\[Final Q&A\\]](eba-qa-2019-5008-losses-due-to-fraud-per-liability-bearer-perdite-dovute-a.md)\n- [EBA Q&A 2019_5019 — Q&A — Online foreign exchange \\[Rejected question\\]](eba-qa-2019-5019-online-foreign-exchange.md)\n- [EBA Q&A 2019_5039 — Q&A — Reporting of fraud by the acquirers \\[Final Q&A\\]](eba-qa-2019-5039-reporting-of-fraud-by-the-acquirers.md)\n- [EBA Q&A 2019_5041 — Q&A — Reporting of PISP initiated payments \\[Final Q&A\\]](eba-qa-2019-5041-reporting-of-pisp-initiated-payments.md)\n- [EBA Q&A 2019_5042 — Q&A — Reporting of PISP transactions \\[Final Q&A\\]](eba-qa-2019-5042-reporting-of-pisp-transactions.md)\n- [EBA Q&A 2019_5043 — Q&A — Direct debts fraud reporting \\[Final Q&A\\]](eba-qa-2019-5043-direct-debts-fraud-reporting.md)\n- [EBA Q&A 2019_5044 — Q&A — Recording of e-money \\[Final Q&A\\]](eba-qa-2019-5044-recording-of-e-money.md)\n- [EBA Q&A 2019_5045 — Q&A — Card payments - acquirer \\[Final Q&A\\]](eba-qa-2019-5045-card-payments-acquirer.md)\n- [EBA Q&A 2019_5046 — Q&A — Recording of card payments \\[Final Q&A\\]](eba-qa-2019-5046-recording-of-card-payments.md)\n- [EBA Q&A 2019_5054 — Q&A — Contingency Measures under Article 33 \\[Final Q&A\\]](eba-qa-2019-5054-contingency-measures-under-article-33.md)\n- [EBA Q&A 2019_5056 — Q&A — Data breakdown on fraud by different card functions \\[Final Q&A\\]](eba-qa-2019-5056-data-breakdown-on-fraud-by-different-card-functions-for.md)\n- [EBA Q&A 2020_5070 — Q&A — Reporting of e-commerce card-based payment transactions \\[Final Q&A\\]](eba-qa-2020-5070-reporting-of-e-commerce-card-based-payment-transactions.md)\n- [EBA Q&A 2020_5099 — Q&A — Collection of fees for utilities or other regular \\[Final Q&A\\]](eba-qa-2020-5099-collection-of-fees-for-utilities-or-other-regular-services.md)\n- [EBA Q&A 2020_5115 — Q&A — Using Trusted Beneficiary Lists to Auto Reject PISP \\[Final Q&A\\]](eba-qa-2020-5115-using-trusted-beneficiary-lists-to-auto-reject-pisp.md)\n- [EBA Q&A 2020_5124 — Q&A — SCA for staff assisted electronic channel \\[Final Q&A\\]](eba-qa-2020-5124-sca-for-staff-assisted-electronic-channel.md)\n- [EBA Q&A 2020_5133 — Q&A — Dynamic linking: transactions for which the final amount \\[Final Q&A\\]](eba-qa-2020-5133-dynamic-linking-transactions-for-which-the-final-amount-is.md)\n- [EBA Q&A 2020_5135 — Q&A — Payment Initiation Scope and Trusted Beneficiaries \\[Final Q&A\\]](eba-qa-2020-5135-payment-initiation-scope-and-trusted-beneficiaries.md)\n- [EBA Q&A 2020_5165 — Q&A — Individual's name to return in AISP/PISP calls \\[Final Q&A\\]](eba-qa-2020-5165-individual-s-name-to-return-in-aisp-pisp-calls.md)\n- [EBA Q&A 2020_5181 — Q&A — Acquisition and money remittance payment service \\[Final Q&A\\]](eba-qa-2020-5181-acquisition-and-money-remittance-payment-service.md)\n- [EBA Q&A 2020_5184 — Q&A — Obstacles to the payment initiation service \\[Final Q&A\\]](eba-qa-2020-5184-obstacles-to-the-payment-initiation-service.md)\n- [EBA Q&A 2020_5215 — Q&A — Elements of possession (SIM card) and knowledge \\[Final Q&A\\]](eba-qa-2020-5215-elements-of-possession-sim-card-and-knowledge-knowledge.md)\n- [EBA Q&A 2020_5216 — Q&A — Money Remittance \\[Final Q&A\\]](eba-qa-2020-5216-money-remittance.md)\n- [EBA Q&A 2020_5224 — Q&A — Transport and parking exemption for parking and electric \\[Final Q&A\\]](eba-qa-2020-5224-transport-and-parking-exemption-for-parking-and-electric.md)\n- [EBA Q&A 2020_5247 — Q&A — Clarification of remote payment for dynamic linking \\[Final Q&A\\]](eba-qa-2020-5247-clarification-of-remote-payment-for-dynamic-linking.md)\n- [EBA Q&A 2020_5249 — Q&A — Access to account for FinTech Solutions that incorporate \\[Final Q&A\\]](eba-qa-2020-5249-access-to-account-for-fintech-solutions-that-incorporate.md)\n- [EBA Q&A 2020_5264 — Q&A — Safeguarding \\[Final Q&A\\]](eba-qa-2020-5264-safeguarding.md)\n- [EBA Q&A 2020_5288 — Q&A — Mount unattended contactless device on general goods \\[Final Q&A\\]](eba-qa-2020-5288-mount-unattended-contactless-device-on-general-goods.md)\n- [EBA Q&A 2020_5325 — Q&A — Alternative strong customer authentication for citizens \\[Final Q&A\\]](eba-qa-2020-5325-alternative-strong-customer-authentication-for-citizens.md)\n- [EBA Q&A 2020_5335 — Q&A — How to use bank guarantees instead of PII \\[Final Q&A\\]](eba-qa-2020-5335-how-to-use-bank-guarantees-instead-of-pii.md)\n- [EBA Q&A 2020_5353 — Q&A — On the requirements for 'inherence' in strong customer \\[Final Q&A\\]](eba-qa-2020-5353-on-the-requirements-for-inherence-in-strong-customer.md)\n- [EBA Q&A 2020_5354 — Q&A — The implementation of commercial agent exclusion \\[Final Q&A\\]](eba-qa-2020-5354-the-implementation-of-commercial-agent-exclusion-for-e.md)\n- [EBA Q&A 2020_5355 — Q&A — The implementation of commercial agent exclusion for B2C \\[Final Q&A\\]](eba-qa-2020-5355-the-implementation-of-commercial-agent-exclusion-for-b2c-e.md)\n- [EBA Q&A 2020_5366 — Q&A — Clarification on where the creation of the authentication \\[Final Q&A\\]](eba-qa-2020-5366-clarification-on-where-the-creation-of-the-authentication.md)\n- [EBA Q&A 2020_5367 — Q&A — SCA requirements with dynamic linking for mobile \\[Final Q&A\\]](eba-qa-2020-5367-sca-requirements-with-dynamic-linking-for-mobile-initiated.md)\n- [EBA Q&A 2020_5476 — Q&A — Clarification on the qualification and protection \\[Final Q&A\\]](eba-qa-2020-5476-clarification-on-the-qualification-and-protection.md)\n- [EBA Q&A 2020_5477 — Q&A — Clarification on level of protection required \\[Final Q&A\\]](eba-qa-2020-5477-clarification-on-level-of-protection-required-for-the.md)\n- [EBA Q&A 2020_5479 — Q&A — Ability of a creditor to change a mandate \\[Final Q&A\\]](eba-qa-2020-5479-ability-of-a-creditor-to-change-a-mandate.md)\n- [EBA Q&A 2020_5498 — Q&A — Payers right to make use of payment initiation service \\[Final Q&A\\]](eba-qa-2020-5498-payers-right-to-make-use-of-payment-initiation-service.md)\n- [EBA Q&A 2020_5502 — Q&A — Clarification of meanings 'transferring of funds' \\[Final Q&A\\]](eba-qa-2020-5502-clarification-of-meanings-transferring-of-funds-and-another.md)\n- [EBA Q&A 2020_5516 — Q&A — Perform SCA by reusing an element used \\[Final Q&A\\]](eba-qa-2020-5516-perform-sca-by-reusing-an-element-used-in-an-authentication.md)\n- [EBA Q&A 2020_5534 — Q&A — Bill-payment via postal service \\[Final Q&A\\]](eba-qa-2020-5534-bill-payment-via-postal-service.md)\n- [EBA Q&A 2020_5570 — Q&A — Consumer explicit consent to the PISP for processing \\[Final Q&A\\]](eba-qa-2020-5570-consumer-explicit-consent-to-the-pisp-for-processing-of.md)\n- [EBA Q&A 2020_5573 — Q&A — Information to be provided by the PISP to the payer prior \\[Final Q&A\\]](eba-qa-2020-5573-information-to-be-provided-by-the-pisp-to-the-payer-prior.md)\n- [EBA Q&A 2020_5619 — Q&A — Independence of the elements for SCA \\[Final Q&A\\]](eba-qa-2020-5619-independence-of-the-elements-for-sca.md)\n- [EBA Q&A 2020_5620 — Q&A — Use of behavioural data for SCA \\[Final Q&A\\]](eba-qa-2020-5620-use-of-behavioural-data-for-sca.md)\n- [EBA Q&A 2020_5621 — Q&A — Use of new technology for SCA \\[Final Q&A\\]](eba-qa-2020-5621-use-of-new-technology-for-sca.md)\n- [EBA Q&A 2020_5622 — Q&A — Application of SCA to issuing a payment instrument \\[Final Q&A\\]](eba-qa-2020-5622-application-of-sca-to-issuing-a-payment-instrument-and.md)\n- [EBA Q&A 2020_5626 — Q&A — Association with the payment service user by means \\[Final Q&A\\]](eba-qa-2020-5626-association-with-the-payment-service-user-by-means-of-a.md)\n- [EBA Q&A 2020_5643 — Q&A — Delegation of 2-Factor Authentication (2FA) to PISP, AISP \\[Final Q&A\\]](eba-qa-2020-5643-delegation-of-2-factor-authentication-2fa-to-pisp-aisp-or.md)\n- [EBA Q&A 2020_5650 — Q&A — Requirements towards SCA if association is done based \\[Final Q&A\\]](eba-qa-2020-5650-requirements-towards-sca-if-association-is-done-based-on.md)\n- [EBA Q&A 2020_5673 — Q&A — Legal requirements for the authentication procedure \\[Final Q&A\\]](eba-qa-2020-5673-legal-requirements-for-the-authentication-procedure-when.md)\n- [EBA Q&A 2021_5726 — Q&A — “Triangular ” passport \\[Final Q&A\\]](eba-qa-2021-5726-triangular-passport.md)\n- [EBA Q&A 2021_5755 — Q&A — On the access to safeguarding accounts through \\[Final Q&A\\]](eba-qa-2021-5755-on-the-access-to-safeguarding-accounts-through-the.md)\n- [EBA Q&A 2021_5763 — Q&A — Obstacle to the provision of payment initiation \\[Final Q&A\\]](eba-qa-2021-5763-obstacle-to-the-provision-of-payment-initiation-and-account.md)\n- [EBA Q&A 2021_5821 — Q&A — Strong customer authentication (SCA) Knowledge element \\[Final Q&A\\]](eba-qa-2021-5821-strong-customer-authentication-sca-knowledge-element-place.md)\n- [EBA Q&A 2021_5845 — Q&A — Ability of Payee’s PSP to apply exemptions from SCA \\[Final Q&A\\]](eba-qa-2021-5845-ability-of-payee-s-psp-to-apply-exemptions-from-sca-in.md)\n- [EBA Q&A 2021_6029 — Q&A — Scope of “additional registrations” as obstacles \\[Final Q&A\\]](eba-qa-2021-6029-scope-of-additional-registrations-as-obstacles-in-the-sense.md)\n- [EBA Q&A 2021_6044 — Q&A — Re-engineering by TPP of the ASPSP’s redirect API and PSU \\[Final Q&A\\]](eba-qa-2021-6044-re-engineering-by-tpp-of-the-aspsp-s-redirect-api-and-psu.md)\n- [EBA Q&A 2021_6077 — Q&A — Confirmation of Funds (CoF) request by a PISP in case \\[Final Q&A\\]](eba-qa-2021-6077-confirmation-of-funds-cof-request-by-a-pisp-in-case-of.md)\n- [EBA Q&A 2021_6078 — Q&A — Information on the host member State in which Third Party \\[Final Q&A\\]](eba-qa-2021-6078-information-on-the-host-member-state-in-which-third-party.md)\n- [EBA Q&A 2021_6141 — Q&A — Association of personalised security credentials \\[Final Q&A\\]](eba-qa-2021-6141-association-of-personalised-security-credentials-to-the.md)\n- [EBA Q&A 2021_6145 — Q&A — SCA applicability / Application of SCA at tokenisation \\[Final Q&A\\]](eba-qa-2021-6145-sca-applicability-application-of-sca-at-tokenisation-stage.md)\n- [EBA Q&A 2021_6156 — Q&A — Arbitrating between security and obstacles \\[Final Q&A\\]](eba-qa-2021-6156-arbitrating-between-security-and-obstacles.md)\n- [EBA Q&A 2021_6235 — Q&A — Application of the exemption under Article 10 RTS \\[Final Q&A\\]](eba-qa-2021-6235-application-of-the-exemption-under-article-10-rts-and-ebics.md)\n- [EBA Q&A 2021_6236 — Q&A — Payment Initiation Service - Batch payment / bulk payment \\[Final Q&A\\]](eba-qa-2021-6236-payment-initiation-service-batch-payment-bulk-payment.md)\n- [EBA Q&A 2021_6241 — Q&A — Calculation of “payment volume” for method B \\[Final Q&A\\]](eba-qa-2021-6241-calculation-of-payment-volume-for-method-b-in-the-article-9.md)\n- [EBA Q&A 2021_6245 — Q&A — ASPSP restricting access for TPPs who embeds the redirect \\[Final Q&A\\]](eba-qa-2021-6245-aspsp-restricting-access-for-tpps-who-embeds-the-redirect.md)\n- [EBA Q&A 2021_6246 — Q&A — Change of TPP access rights for AIS consent by the PSU \\[Final Q&A\\]](eba-qa-2021-6246-change-of-tpp-access-rights-for-ais-consent-by-the-psu.md)\n- [EBA Q&A 2021_6256 — Q&A — Payee-initiated transactions with irregular period \\[Final Q&A\\]](eba-qa-2021-6256-payee-initiated-transactions-with-irregular-period-or.md)\n- [EBA Q&A 2021_6280 — Q&A — Application of SCA for confirmation of funds requests \\[Final Q&A\\]](eba-qa-2021-6280-application-of-sca-for-confirmation-of-funds-requests-made.md)\n- [EBA Q&A 2021_6283 — Q&A — Provision of the acquiring of payment transactions \\[Final Q&A\\]](eba-qa-2021-6283-provision-of-the-acquiring-of-payment-transactions-payment.md)\n- [EBA Q&A 2021_6298 — Q&A — Clarification on the protection requirements \\[Final Q&A\\]](eba-qa-2021-6298-clarification-on-the-protection-requirements-of-a.md)\n- [EBA Q&A 2021_6305 — Q&A — Articulation and interaction of the second and the third \\[Final Q&A\\]](eba-qa-2021-6305-articulation-and-interaction-of-the-second-and-the-third.md)\n- [EBA Q&A 2021_6315 — Q&A — Transactions initiated via electronic mail (email) \\[Final Q&A\\]](eba-qa-2021-6315-transactions-initiated-via-electronic-mail-email.md)\n- [EBA Q&A 2021_6318 — Q&A — Future-dated payments and recurring transactions \\[Final Q&A\\]](eba-qa-2021-6318-future-dated-payments-and-recurring-transactions.md)\n- [EBA Q&A 2021_6320 — Q&A — PISP’s access to payable charges applied by the ASPSP \\[Final Q&A\\]](eba-qa-2021-6320-pisp-s-access-to-payable-charges-applied-by-the-aspsp-on.md)\n- [EBA Q&A 2021_6321 — Q&A — Authentication procedures that ASPSPs’ interfaces \\[Final Q&A\\]](eba-qa-2021-6321-authentication-procedures-that-aspsps-interfaces-are.md)\n- [EBA Q&A 2022_6360 — Q&A — Exclusion of cash withdrawal services from PSD2 \\[Final Q&A\\]](eba-qa-2022-6360-exclusion-of-cash-withdrawal-services-from-psd2.md)\n- [EBA Q&A 2022_6385 — Q&A — Interpretation of the words ‘preceding year’ \\[Rejected question\\]](eba-qa-2022-6385-interpretation-of-the-words-preceding-year-in-method-b.md)\n- [EBA Q&A 2022_6391 — Q&A — Paper-based postal money orders as defined \\[Final Q&A\\]](eba-qa-2022-6391-paper-based-postal-money-orders-as-defined-by-the-universal.md)\n- [EBA Q&A 2022_6392 — Q&A — API functionality \\[Final Q&A\\]](eba-qa-2022-6392-api-functionality.md)\n- [EBA Q&A 2022_6437 — Q&A — Annex VI - Agentes/distributors \\[Final Q&A\\]](eba-qa-2022-6437-annex-vi-agentes-distributors.md)\n- [EBA Q&A 2022_6464 — Q&A — SCA for token replacement \\[Final Q&A\\]](eba-qa-2022-6464-sca-for-token-replacement.md)\n- [EBA Q&A 2022_6481 — Q&A — Reading of the term means of payment \\[Final Q&A\\]](eba-qa-2022-6481-reading-of-the-term-means-of-payment.md)\n- [EBA Q&A 2022_6489 — Q&A — The definition of payment services and in particular \\[Final Q&A\\]](eba-qa-2022-6489-the-definition-of-payment-services-and-in-particular-the.md)\n- [EBA Q&A 2022_6526 — Q&A — Evidences / Records to be stored by account servicing \\[Final Q&A\\]](eba-qa-2022-6526-evidences-records-to-be-stored-by-account-servicing-payment.md)\n- [EBA Q&A 2022_6570 — Q&A — Initial Capital \\[Rejected question\\]](eba-qa-2022-6570-initial-capital.md)\n- [EBA Q&A 2022_6611 — Q&A — Payment account \\[Final Q&A\\]](eba-qa-2022-6611-payment-account.md)\n- [EBA Q&A 2022_6612 — Q&A — Information provided to the payee on individual payment \\[Final Q&A\\]](eba-qa-2022-6612-information-provided-to-the-payee-on-individual-payment.md)\n- [EBA Q&A 2022_6613 — Q&A — Publication of quarterly statistics, according \\[Rejected question\\]](eba-qa-2022-6613-publication-of-quarterly-statistics-according-to-gl-3-of.md)\n- [EBA Q&A 2023_6675 — Q&A — Consideration of own funds requirements as a comparable \\[Final Q&A\\]](eba-qa-2023-6675-consideration-of-own-funds-requirements-as-a-comparable.md)\n- [EBA Q&A 2023_6687 — Q&A — Period to be covered by statistics pursuant to Article \\[Final Q&A\\]](eba-qa-2023-6687-period-to-be-covered-by-statistics-pursuant-to-article-32-4.md)\n- [EBA Q&A 2023_6691 — Q&A — Is Article 5 of Regulation 2021/1230 applicable \\[Rejected question\\]](eba-qa-2023-6691-is-article-5-of-regulation-2021-1230-applicable-on-the-spot.md)\n- [EBA Q&A 2023_6744 — Q&A — Service Downtime \\[Final Q&A\\]](eba-qa-2023-6744-service-downtime.md)\n- [EBA Q&A 2023_6750 — Q&A — requirements for professional experience \\[Rejected question\\]](eba-qa-2023-6750-requirements-for-professional-experience-of-representatives.md)\n- [EBA Q&A 2023_6752 — Q&A — Eligibility of communication by AISPs with ASPSP \\[Final Q&A\\]](eba-qa-2023-6752-eligibility-of-communication-by-aisps-with-aspsp-throughout.md)\n- [EBA Q&A 2023_6753 — Q&A — Eligibility of communication by AISPs with ASPSP \\[Rejected question\\]](eba-qa-2023-6753-eligibility-of-communication-by-aisps-with-aspsp-throughout.md)\n- [EBA Q&A 2023_6767 — Q&A — App to app redirection with biometrics for PIS \\[Final Q&A\\]](eba-qa-2023-6767-app-to-app-redirection-with-biometrics-for-pis.md)\n- [EBA Q&A 2023_6777 — Q&A — Exchange rate mark-ups part of 'all charges \\[Final Q&A\\]](eba-qa-2023-6777-exchange-rate-mark-ups-part-of-all-charges-payable-currency.md)\n- [EBA Q&A 2023_6788 — Q&A — Fraud reporting \\[Final Q&A\\]](eba-qa-2023-6788-fraud-reporting.md)\n- [EBA Q&A 2023_6790 — Q&A — Multi-licensed entity capital requirement \\[Final Q&A\\]](eba-qa-2023-6790-multi-licensed-entity-capital-requirement.md)\n- [EBA Q&A 2023_6820 — Q&A — Exemption from strong customer authentication \\[Final Q&A\\]](eba-qa-2023-6820-exemption-from-strong-customer-authentication.md)\n- [EBA Q&A 2023_6827 — Q&A — Trusted Beneficiaries \\[Final Q&A\\]](eba-qa-2023-6827-trusted-beneficiaries.md)\n- [EBA Q&A 2023_6863 — Q&A — Mobile Banking Services and SCA in the same app \\[Final Q&A\\]](eba-qa-2023-6863-mobile-banking-services-and-sca-in-the-same-app.md)\n- [EBA Q&A 2023_6873 — Q&A — PISP payment order cancellation due to fraud prevention \\[Final Q&A\\]](eba-qa-2023-6873-pisp-payment-order-cancellation-due-to-fraud-prevention.md)\n- [EBA Q&A 2023_6882 — Q&A — Safeguarding with a credit institition in a third country \\[Final Q&A\\]](eba-qa-2023-6882-safeguarding-with-a-credit-institition-in-a-third-country.md)\n- [EBA Q&A 2023_6910 — Q&A — Interpretation of payment instrument \\[Final Q&A\\]](eba-qa-2023-6910-interpretation-of-payment-instrument.md)\n- [EBA Q&A 2023_6946 — Q&A — Card data (PAN) to be returned in AISP calls \\[Final Q&A\\]](eba-qa-2023-6946-card-data-pan-to-be-returned-in-aisp-calls.md)\n- [EBA Q&A 2023_6949 — Q&A — Secure corporate payment processes and protocols \\[Final Q&A\\]](eba-qa-2023-6949-secure-corporate-payment-processes-and-protocols-and.md)\n- [EBA Q&A 2023_6951 — Q&A — Requirement for loan agents to register \\[Rejected question\\]](eba-qa-2023-6951-requirement-for-loan-agents-to-register-as-payment-service.md)\n- [EBA Q&A 2024_6989 — Q&A — Criteria for selecting the operations to be included \\[Final Q&A\\]](eba-qa-2024-6989-criteria-for-selecting-the-operations-to-be-included-in-the.md)\n- [EBA Q&A 2024_7003 — Q&A — Third party access to account attributes \\[Rejected question\\]](eba-qa-2024-7003-third-party-access-to-account-attributes.md)\n- [EBA Q&A 2024_7056 — Q&A — Credit \\[Final Q&A\\]](eba-qa-2024-7056-credit.md)\n- [EBA Q&A 2024_7093 — Q&A — Clarification needed in dedicated Interfaces \\[Rejected question\\]](eba-qa-2024-7093-clarification-needed-in-dedicated-interfaces-supervision.md)\n- [EBA Q&A 2024_7103 — Q&A — Revocation of ASPSP's Exemption from the Contingency \\[Final Q&A\\]](eba-qa-2024-7103-revocation-of-aspsp-s-exemption-from-the-contingency.md)\n- [EBA Q&A 2024_7118 — Q&A — Definition of Communication Standards \\[Rejected question\\]](eba-qa-2024-7118-definition-of-communication-standards-under-article-30-3.md)\n- [EBA Q&A 2024_7165 — Q&A — Compliance of non-bank PSPs with the safeguarding \\[Final Q&A\\]](eba-qa-2024-7165-compliance-of-non-bank-psps-with-the-safeguarding.md)\n- [EBA Q&A 2024_7199 — Q&A — non-discrimination in implementing PSD2 \\[Rejected question\\]](eba-qa-2024-7199-non-discrimination-in-implementing-psd2-for-safeguarding.md)\n- [EBA Q&A 2024_7261 — Q&A — Obstacles Faced by PISPs in Accessing Payment Status \\[Final Q&A\\]](eba-qa-2024-7261-obstacles-faced-by-pisps-in-accessing-payment-status.md)\n- [EBA Q&A 2024_7265 — Q&A — Proxy matrices \\[Final Q&A\\]](eba-qa-2024-7265-proxy-matrices.md)\n- [EBA Q&A 2024_7286 — Q&A — Knowledge element of SCA. \\[Final Q&A\\]](eba-qa-2024-7286-knowledge-element-of-sca.md)\n- [EBA Q&A 2025_7317 — Q&A — Minimum monetary amount of professional indemnity \\[Final Q&A\\]](eba-qa-2025-7317-minimum-monetary-amount-of-professional-indemnity-insurance.md)\n- [EBA Q&A 2025_7358 — Q&A — Authentication process of the PSU with the ASPSP \\[Final Q&A\\]](eba-qa-2025-7358-authentication-process-of-the-psu-with-the-aspsp-in-a.md)\n- [EBA Q&A 2025_7376 — Q&A — the use of strong and widely recognized encryption \\[Final Q&A\\]](eba-qa-2025-7376-the-use-of-strong-and-widely-recognized-encryption.md)\n- [EBA Q&A 2025_7396 — Q&A — Application of general requirements of Chapter 6 \\[Rejected question\\]](eba-qa-2025-7396-application-of-general-requirements-of-chapter-6-of-the.md)\n- [EBA Q&A 2025_7425 — Q&A — Setting limit (daily and/or per transaction) \\[Final Q&A\\]](eba-qa-2025-7425-setting-limit-daily-and-or-per-transaction-for-the.md)\n- [EBA Q&A 2025_7482 — Q&A — SCA exception for Contactless only terminals (SoftPOS) \\[Final Q&A\\]](eba-qa-2025-7482-sca-exception-for-contactless-only-terminals-softpos-in.md)\n- [EBA Q&A 2025_7602 — Q&A — Obstacle assessment of a mandatory client segment \\[Final Q&A\\]](eba-qa-2025-7602-obstacle-assessment-of-a-mandatory-client-segment-selection.md)\n- [EBA Q&A 2025_7603 — Q&A — Execution of an authorized payment instruction \\[Rejected question\\]](eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made.md)\n- [EBA Q&A 2025_7604 — Q&A — Obstacle assessment of requiring multiple manual \\[Rejected question\\]](eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes.md)\n- [EBA Q&A 2025_7605 — Q&A — Obstacle assessment of requiring an additional \\[Rejected question\\]](eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis.md)\n- [EBA Q&A 2025_7606 — Q&A — Clarification of the scope of the term authentication \\[Final Q&A\\]](eba-qa-2025-7606-clarification-of-the-scope-of-the-term-authentication.md)\n- [EBA Q&A 2025_7607 — Q&A — Definition of equivalent authentication procedure \\[Final Q&A\\]](eba-qa-2025-7607-definition-of-equivalent-authentication-procedure-for.md)\n- [EBA Q&A 2025_7608 — Q&A — Obstacle assessment of an ASPSP offering only web \\[Rejected question\\]](eba-qa-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web.md)\n- [EBA Q&A 2025_7644 — Q&A — Obligations of ASPSPs to inform PISPs about the execution \\[Final Q&A\\]](eba-qa-2025-7644-obligations-of-aspsps-to-inform-pisps-about-the-execution.md)\n- [EBA Q&A 2025_7672 — Q&A — PSU support in dedicated and redirected interfaces. \\[Final Q&A\\]](eba-qa-2025-7672-psu-support-in-dedicated-and-redirected-interfaces.md)\n- [EBA Q&A 2025_7673 — Q&A — Supervisory obligations of NCAs under Article \\[Rejected question\\]](eba-qa-2025-7673-supervisory-obligations-of-ncas-under-article-32-2-of.md)\n- [EBA Q&A 2025_7674 — Q&A — Requirement for ASPSPs to comply \\[Rejected question\\]](eba-qa-2025-7674-requirement-for-aspsps-to-comply-with-standardized.md)\n- [EBA Q&A 2025_7675 — Q&A — Provision of rejection reasons for payment orders \\[Final Q&A\\]](eba-qa-2025-7675-provision-of-rejection-reasons-for-payment-orders-initiated.md)\n- [EBA Q&A 2025_7677 — Q&A — Introduction of additional mandatory steps \\[Rejected question\\]](eba-qa-2025-7677-introduction-of-additional-mandatory-steps-or-redirections.md)\n- [EBA Q&A 2025_7678 — Q&A — Clarification on the use of PSU-linked tokens \\[Rejected question\\]](eba-qa-2025-7678-clarification-on-the-use-of-psu-linked-tokens-in-payment.md)\n- [EBA Q&A 2026_7760 — Q&A — Ban imposed by certain national authorities \\[Rejected question\\]](eba-qa-2026-7760-ban-imposed-by-certain-national-authorities-on-the-use-of.md)\n"}